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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $374,858 | $57,073+556.8% | $85,126+340.4% | $80,925+363.2% |
| Participation rate | 100.0% | 56.4%+43.6pp | 67.5%+32.5pp | 67.7%+32.3pp |
| Annual return | 21.20% | 21.69%-0.5pp | 66.63%-45.4pp | 35.65%-14.5pp |
| Employer contribution / active EE | $13,696 | $1,801+660.6% | $2,731+401.4% | $2,756+396.9% |
| Participant deferral / active EE | $8,683 | $3,113+178.9% | $4,523+92.0% | $4,299+102.0% |
| Admin fee / account holder | $18,105 | $4,988+263.0% | $6,160+193.9% | $6,940+160.9% |